Earlier this month, La Banque Postale obtained approval from French data protection regulatory organization CNIL to offer a voice biometrics solution by Talk to Pay for customers to authenticate card not present transactions.

La Banque Postale will launch Talk to Pay to all its customers starting this summer.

Using a voice generated unique dynamic CVV, cardholders are protected while they purchase online, by mail or by telephone.

Cardholders using PCs, Macs, iOS or Androïd devices can benefit from Talk to Pay. Strong authentication is ensured by the combination of an outbound call by the issuing bank, by voice authentication and by customer’s phone ownership. Cardholders are automatically and immediately informed by the bank in case there is a fraud attempt with the card.

Talk to Pay is impact-free for retailers and helps banks reduce card not present fraud and offers issuing banks additional revenue generation with added value services such as card-based transactions history and secure online banking access.

In a statement to L’Express, Patrick Wajsbrot, President of Talk to Pay, commented that in addition to La Banque Postale, LCL, Crédit Agricole and Carrefour Banque are also interested in the technology.